More volatility ahead:  Your key questions answered
More volatility ahead: Your key questions answered

Insight on the competing forces - inflation and slower growth - driving today’s markets

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Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Destiney Constantatos

Destiney Constantatos

Wealth Management Banking Specialist

Merrill

Michael Duffy

Michael Duffy

Wealth Strategist

Merrill

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Welcome

Your path to wealth is your own. You know the decisions you have made, the sacrifices you have undertaken, and the sheer time you have invested to arrive where you are today.


At KM & Associates, we appreciate the singularity of your situation—both where you are now and where you want to be in the future.


Clients come to us for a few different reasons:

  • Complexity. Some clients realize their wealth has become more complicated than they ever anticipated. We help them unwind the intricacies of significant wealth, anticipating opportunities, creating a customized plan, and looking ahead to what they want to accomplish. We believe we have the knowledge and insight to tackle the thorniest issues, unleashing our team of veteran problem-solvers. 
  • Time. Other clients come to us because managing their wealth has become time consuming. Some are eager to make headway on long-intended tasks. Others want a stable and reliable team in place, either to free up time in their own schedules or to ease the burden for important people in their lives. We’re skilled in manufacturing time in people’s lives, helping them take care of the people and things they cherish. 
  • Uncertainty. Some clients come to us with questions. They may foresee a significant financial decision on the horizon. Others have more general inquiries about the direction of their wealth. We offer integrity and honesty in asking—and answering—the questions they want to address. 

To these needs and others, we bring a focused mindset, a readiness to dive into each client’s situation, and an appreciation for the trust clients have placed in us. 

To speak with one of our Advisors, please see the red “Contact Us” button at the top of our webpage. We welcome the opportunity to speak with you.

Why KM & Associates?

Your wealth represents your hard work and your hope for the future. It helps you fulfill your obligations and give flight to your ambitions.

At KM & Associates, we never lose sight of the trust you have placed in us. We built our team with a specific vision in mind: to be the preeminent wealth management team to a high achieving clientele whom we like and respect.

Headquartered in Palm Beach, Florida, and Greensboro, North Carolina, we serve clients in diverse locales throughout the United States. High-net-worth individuals, families, and institutions look to us to deliver a different caliber of advice, guidance, and strategy.

We believe there are a few factors that set us apart:

  • Our Commitment to Quality. We aspire to excellence. If there is a “secret sauce,” that is ours. We don’t simply pay lip service to this ideal. It infuses the depth of our strategy, the immediacy of our relationships, the rigor of our analysis, and the precision of our service ethic. The people who are attracted to our team have high standards. We look forward to exceeding those expectations.
 
  • Our First-Hand Experience. As the scale of wealth intensifies, its decision points become more numerous. Our team offers the benefit of knowledge and insight gained from advising an accomplished clientele. We advise wealth creators—senior executives, entrepreneurs, business owners, entertainers, technology founders, professionals, and significant families. We’ve seen first-hand what works in advancing their priorities—and what to watch out for.
 
  • Our Emphasis on Planning.  Our wealth-management process is encapsulated in a thorough, defined, and highly customized plan for each client. A dynamic document, this plan is the foundation of our work. It reflects changing conditions—a client’s unique priorities, as well as evolving economic and geopolitical realities—while also driving our recommendations 

  • Our Diversity.  We have purposely structured our team to accommodate different viewpoints and life stages. We are diverse by race, ethnicity, age, gender, and geography, as well as our strengths and skills. A harmonious team, we appreciate the unique contributions of each of our team members.
 
  • Our Investment in Our Team. Investing in people is one of the best ways we can enhance our value to clients. As our bios can attest, we have engaged in extensive education and professional enrichment, demonstrating our commitment to our craft. We have also invested in the organizational capacity of our team, with significant resources in investment management, planning, and service.

  • Our Achievements. Our team culture embraces high standards. Our Advisors have earned national recognition by Barron’s, Forbes, and the Financial Times. This external validation is gratifying in that it confirms our original vision: We seek the best in each other so that we can deliver a singular experience for the individuals, families, and institutions who have entrusted their wealth to our care.

Focused on You and Your Well-Being

To do our jobs well requires focus. By limiting our number of client engagements, we are able to develop deep and enduring relationships with clients, walking with them through significant points in their lives.

Referrals constitute our primary source of new relationships. That fact spurs our efforts to foster a client experience like no other—one where people know they are heard, understood, and top of mind. We strive to connect clients to the caliber of care we would want for our own families.

We offer a multi-disciplinary perspective that strives to optimize wealth’s many intersections. Planning-based, we begin each relationship by creating a clear wealth-management framework that delineates a client’s assets and liabilities, as well as risk tolerance, objectives, time horizon, and preferences.

Client comfort is important to us. We take the time to discuss options, weigh opportunities, and explain strategies in clear language. We also connect clients to resources and capabilities, enterprise wide.

Our areas of focus are designed to help clients grow, preserve, and transfer their wealth more effectively:

  • Wealth planning
  • Customized investment management, including access to alternative investments
  • Tax-sensitive legacy design
  • Pre-liquidity event strategies
  • Business succession planning
  • Concentrated and restricted stock strategies
  • Liability management
  • Cash-flow analysis
  • Family wealth dynamics
  • Access to banking and credit through Bank of America


*Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

A Disciplined, Customized Approach

Our team has a long tenure at Merrill. This continuity has allowed us to refine our processes and systems, while enhancing our ability to get things done on a client’s behalf. As problem solvers, we are creative and resolute.

As investors, we embrace a long-term perspective, avoiding the “hot dot” and “group think” that can result in heightened volatility. Instead, we embrace a timeframe grounded in years, rather than days. Our process is rules based in an effort to remove emotion from our investment methodology.

Our goal is to support clients in moving from where they are to where they want to be, sensitive to their risk tolerance, time horizon, and preferences. Our portfolios include asset classes beyond traditional stocks and bonds, as appropriate, allowing us to refine our approach with additional tools at our disposal.

Customization is critical to our process. We recognize the variability in client objectives, tax situations, legacy intentions, risk tolerance, philanthropic interests, and cash-flow needs. By accounting for these parameters, we are better able to craft portfolios that reflect the unique interests of each client.

If you have an investment question or challenge, reach out to us using the red “Contact Us” button at the top of our webpage. We would welcome the opportunity to learn more about your situation.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.



Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    #DigitalMerrill

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


      Merrill_Capabilities_Brochure.png

      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.



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      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.